A surcharge, not a different Part B
Most people pay the standard Part B premium ($202.90 in 2026). If modified adjusted gross income from two years earlier is above the threshold, Social Security adds An extra amount some people with higher incomes pay on top of the Part B and Part D premiums. Social Security decides it. It is not a plan fee. to Part B and a separate An extra amount some people with higher incomes pay on top of the Part B and Part D premiums. Social Security decides it. It is not a plan fee. to Part D. The Part D amount is added to whatever drug plan you have — it is not the plan’s own premium.
Two-year lookback
2026 An extra amount some people with higher incomes pay on top of the Part B and Part D premiums. Social Security decides it. It is not a plan fee. is based on 2024 Modified adjusted gross income. For the extra Part B and Part D amount, Medicare usually looks at the tax return from two years earlier. and tax filing status. Brackets differ for single, joint, and married-filing-separately returns. The official amounts are in the CMS 2026 premium fact sheet. Confirm on Medicare.gov or with Social Security.
You can appeal some life changes
If your income dropped because of a qualifying life-changing event (for example retirement or marriage), Social Security has a process to request a new determination. This website cannot file that for you or say you will win.
Educational estimate only
The IRMAA calculator uses public 2026 CMS brackets. It is not a bill. A licensed agent can explain how An extra amount some people with higher incomes pay on top of the Part B and Part D premiums. Social Security decides it. It is not a plan fee. fits next to Advantage, Medigap, and Part D.